BlastPoint's Banking Scorecard

The Sherwood State Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 16222

Sherwood, OH

4 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
Deposits +7.0% year over year ($89.8M on the books).
Delinquency rate 2.39%.
Return on assets 0.78%.
Efficiency ratio 78.74% vs a 64.48% peer average.
Loan-to-deposit ratio 88.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

The Sherwood State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.63% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 17.8% in tier
- Nonperforming Asset Ratio 1.10% above tier average
- ROA 0.55% below tier average
- Efficiency Ratio 14.26% above tier average

Get updates when The Sherwood State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$107.5M +4.4% YoY +1.4% QoQ	-$279.0M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Bottom 2.0% in tier
Total Loans ?	$79.5M +5.3% YoY +0.7% QoQ	-$178.9M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	Bottom 10.2% in tier
Total Deposits ?	$89.8M +7.0% YoY +2.1% QoQ	-$236.9M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Bottom 2.5% in tier
Return on Assets ?	0.78% +5.8% YoY +11.2% QoQ	-0.55%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	4.61% +3.4% YoY +2.4% QoQ	+0.63%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	78.74% -2.2% YoY -1.8% QoQ	+14.26%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	15%
Delinquency Rate ?	2.39% +2.8% YoY -9.9% QoQ	+1.47%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	Bottom 9.5% in tier
Loan-to-Deposit Ratio ?	88.44% -1.6% YoY -1.4% QoQ	+10.49%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	27.46% +14.6% YoY +7.1% QoQ	+5.43%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	1.77% +3.7% YoY -10.5% QoQ	+1.10%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	Bottom 9.3% in tier
Tier 1 Capital Ratio ?	12.32% -0.2% YoY +0.4% QoQ	-3.59%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.25% +15.1% YoY +106.2% QoQ	-0.31%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	27.5% +3.5pp YoY +1.8pp QoQ	+5.3pp	22.1%	18.8%	22.2%	74%
Brokered Deposits	n/a	n/a	7.9%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	4.7% +0.9pp YoY +0.1pp QoQ	-6.8pp	11.6%	10.2%	12.5%	18%
CRE	24.1% -0.6pp YoY -0.8pp QoQ	-15.4pp	39.5%	34.2%	41.4%	25%
1-4 Family	64.6% 0.0pp YoY +0.6pp QoQ	+31.9pp	32.6%	50.0%	31.3%	92%
Consumer	3.4% -0.2pp YoY 0.0pp QoQ	-0.7pp	4.1%	4.7%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	12.3% 0.0pp YoY +0.1pp QoQ	+0.2pp	12.2%	12.9%	12.6%	68%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	28 0 YoY 0 QoQ	-31	58	2,433	482	24%
Assets per Employee ($)	$3.8M +4.4% YoY +1.4% QoQ	-$3.7M	$7.5M	$7.6M	$8.8M	3%
Branch Count	4 0 YoY 0 QoQ	-1	4	81	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	2.4% +0.1pp YoY -0.3pp QoQ	+1.5pp	0.9%	0.6%	1.0%	91%
Allowance Coverage	0.52x -1.3% YoY +11.5% QoQ	-23.64x	24.15x	18.95x	20.23x	10%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	18%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	6.6% 0.0pp YoY +0.7pp QoQ	-5.6pp	12.2%	9.7%	11.6%	19%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	29%
Net Income ($, YTD)	$412,000 +7.9% YoY — QoQ	-$2.1M	$2.6M	$259.3M	$40.4M	9%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#168 of 936 • Bottom 17.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

451

Net Interest Margin

profitability

Value: 4.61%

Peer Median: 3.99%

#451 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (7 metrics)

2592

Total Assets

size

Value: $107.53M

Peer Median: $386.57M

#2592 of 2643 Bottom 2.0% in $100M-$1B

2579

Total Deposits

size

Value: $89.85M

Peer Median: $326.73M

#2579 of 2643 Bottom 2.5% in $100M-$1B

2397

Nonperforming Asset Ratio

credit_quality

Value: 1.77%

Peer Median: 0.67%

#2397 of 2643 Bottom 9.3% in $100M-$1B

2385

Delinquency Rate

credit_quality

Value: 2.39%

Peer Median: 0.92%

#2385 of 2633 Bottom 9.5% in $100M-$1B

2374

Total Loans

size

Value: $79.46M

Peer Median: $258.35M

#2374 of 2643 Bottom 10.2% in $100M-$1B

2243

Efficiency Ratio

profitability

Value: 78.74%

Peer Median: 64.48%

#2243 of 2643 Bottom 15.2% in $100M-$1B

2059

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.32%

#2059 of 2643 Bottom 22.1% in $100M-$1B